aid: credgenics
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/credgenics.png
name: Credgenics
description: >-
  Credgenics is an AI-powered debt collection and loan recovery SaaS platform
  used by banks, NBFCs, housing-finance companies, microfinance institutions,
  fintechs and asset-reconstruction companies (primarily in India). Its REST
  Recovery API lets lenders push loan, customer, payment and transaction data
  into the platform and read collections status, DPD and penalties back,
  alongside digital communications, a GenAI voicebot (Swara), predictive
  dialing (DialNext), field collections (CG Collect), litigation management,
  online dispute resolution and the Billzy loan-repayment payments product.
  Authentication is a client-credentials exchange returning a short-lived
  `authenticationtoken`; every request carries the tenant `company_id`.
url: https://raw.githubusercontent.com/api-evangelist/credgenics/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- accel
x-tier: enriched
x-tier-reason: has-public-api
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Enterprise
- Financial Services
- Debt Collection
- Loan Recovery
- Lending
- Collections
- Fintech
- India
apis:
- aid: credgenics:credgenics-authentication-api
  name: Credgenics Authentication API
  description: Client-credentials access-token exchange.
  humanURL: https://docs.credgenics.com/#getting-started
  baseURL: https://apiprod.credgenics.com
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/credgenics-authentication-api-openapi.yml
- aid: credgenics:credgenics-credit-line-api
  name: Credgenics Credit Line API
  description: Customer and transaction ingestion for credit-line products.
  humanURL: https://docs.credgenics.com/#getting-started
  baseURL: https://apiprod.credgenics.com
  tags:
  - Credit Line
  properties:
  - type: OpenAPI
    url: openapi/credgenics-credit-line-api-openapi.yml
- aid: credgenics:credgenics-lending-api
  name: Credgenics Lending API
  description: Loan and payment ingestion and retrieval.
  humanURL: https://docs.credgenics.com/#getting-started
  baseURL: https://apiprod.credgenics.com
  tags:
  - Lending
  properties:
  - type: OpenAPI
    url: openapi/credgenics-lending-api-openapi.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.credgenics.com/
- type: DeveloperPortal
  url: https://docs.credgenics.com/
- type: Documentation
  url: https://docs.credgenics.com/
- type: APIReference
  url: https://docs.credgenics.com/#getting-started
- type: GettingStarted
  url: https://docs.credgenics.com/#getting-started
- type: Blog
  url: https://blog.credgenics.com/
- type: Login
  url: https://app.credgenics.com/login
- type: TermsOfService
  url: https://www.credgenics.com/terms-of-use
- type: PrivacyPolicy
  url: https://www.credgenics.com/privacy-policy
- type: GitHubOrganization
  url: https://github.com/credgenics
- type: Compliance
  url: https://www.credgenics.com/security
- type: TrustCenter
  url: security/credgenics-trust-center.yml
- type: Authentication
  url: authentication/credgenics-authentication.yml
- type: AgenticAccess
  url: agentic-access/credgenics-agentic-access.yml
- type: DomainSecurity
  url: security/credgenics-domain-security.yml
- type: Conventions
  url: conventions/credgenics-conventions.yml
- type: ErrorCatalog
  url: errors/credgenics-problem-types.yml
- type: WellKnown
  url: well-known/credgenics-well-known.yml
- type: Lifecycle
  url: lifecycle/credgenics-lifecycle.yml
- type: Conformance
  url: conformance/credgenics-conformance.yml
- type: Webhooks
  url: asyncapi/credgenics-webhooks.yml
- type: MCPServer
  url: mcp/credgenics-mcp.yml
- type: LLMsTxt
  url: llms/credgenics-llms.txt
- type: DataModel
  url: data-model/credgenics-data-model.yml
- type: Overlay
  url: overlays/credgenics-recovery-overlay.yaml
- type: AgentSkill
  url: skills/_index.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence